Aprovechamiento y Disposición Final

How do I? What should I do?

Add more money to my investment? Complete the Additional Application Form attached to the back of this PDS and send it in with a cheque for the additional amount you wish to invest. You may wish to seek advice from your adviser to discuss your investment objectives before depositing additional monies. Withdraw all or part of my investment? Complete a withdrawal form available at all Suncorp branches or write a letter and fax

or post it to our Client Services Team. Alternatively you can make withdrawals over the phone if you have a PIN (refer to page 35 for more details). You may wish to seek advice from your adviser to discuss your investment objectives before withdrawing your investment. Know what fees apply to my investment? Fees that apply to the Funds are detailed on pages 26-28. If you have any specific questions,

you should contact our Client Services Team or your adviser.

Find out what my account balance is? You can access details about your account by calling our Client Services Team.

Switch between investment options? Complete a switch form available at all Suncorp branches or write a letter and fax or post it to our Client Services Team. Alternatively you can switch over the phone if you have a PIN (refer to page 35 for more details). You may wish to seek advice from your adviser to discuss your investment objectives before switching your investment.

Tell Suncorp I am unhappy with my investment? Please discuss with your adviser or contact our Client Services Team.

What if? What should I do?

My personal details change during the year? You should contact your adviser or our Client Services Team to advise of any significant change in your personal details.

I change my mind about investing? You should contact your adviser or our Client Services Team as soon as possible. A 14 day cooling off period applies (see page 23 for further details).

There are generally four (4) places to contact if you need more help or information:

1. The Suncorp website: suncorp.com.au;

2. Our Client Services Team on 1800 067 732 between 8am and 5pm Queensland time, on a Queensland business day;

3. By writing to: Suncorp Investment Funds (LS035) GPO Box 1453 Brisbane QLD 4001

or fax: (07)3362 2905

or email: [email protected]; or

34

Complaint and dispute resolution

We try to make sure that our level of service meets your expectations. However, sometimes, problems occur. If you have a complaint or dispute, we have established a process to help you.

How to Lodge a Complaint or Notify a Dispute

If you have a complaint or dispute concerning the Fund, please tell the people who provided your initial service. Or you can:

phone us on: 1800 067 732

fax us on: (07) 3362 2905

write to us at: Suncorp Investment Funds (LS035) GPO Box 1453

BRISBANE QLD 4001 or e-mail us on: [email protected]

What We Will Do

1. We will try to settle your complaint or dispute within 1 working day.

2. If we can’t do this, we will phone you, email you or tell you in writing that we have received your complaint or dispute. You should receive this notice within 3 working days.

3. We will try to settle more complicated complaints or disputes within 21 days, but in no more than 45 days unless you have agreed to a longer period.

4. If we can’t settle your complaint or dispute quickly or you have agreed to a longer period in which we can address your complaint, we will write to you every 21 days giving you reasons for the delay.

5. Once we make a decision regarding your complaint or dispute, we will tell you in writing and include our reasons for reaching that decision. If you are dissatisfied with our decision or the way we handled your complaint or dispute, please let us know. You can also contact the Financial Industry Complaints Service (“FICS”). Details are set out in the next paragraph.

Financial Industry Complaints Service

FICS is a free service for you and a totally independent and impartial body. FICS will deal with your complaint or dispute directly or follow up the matter on your behalf. If you want more information on FICS, please ask us. You can contact FICS by:

phoning: 1300 780 808

for the cost of a local call* writing to: Financial Industry Complaints

Service Limited PO Box 579, Collins Street West MELBOURNE VIC 8007

emailing: [email protected]

* A higher charge may apply for public telephones and mobile phones.

Terms and Conditions for Faxed Switches or Withdrawals

• If you wish to fax a switch or withdrawal request, simply send us a fax to (07) 3362 2905 detailing your request. By sending us a fax you signify acceptance of these terms and conditions.

• If the switch or withdrawal is not faxed to (07) 3362 2905 the request may not be processed.

• Withdrawal amounts are able to be paid to a bank, building society or credit union account or by cheque.

• We may refuse to process a faxed switch or withdrawal request if we believe that there may be a possible security risk.

• We may cancel this arrangement or vary these terms and conditions at any time after giving investors written notice.

• If we comply with a faxed switch or withdrawal request made or purported to be made in accordance with these terms and conditions, then payment will be in satisfaction of all our obligations and neither you nor any other person will have any claim against the Fund/s, us or the custodian of the Fund/s, even where you had no knowledge of, or did not authorise, a transaction in relation to your investment.

• You agree to release, discharge and indemnify us and the custodian for all losses, liabilities, actions, proceedings, accounts, claims and demands in respect of any liabilities arising out of a request for a faxed switch or withdrawal on your investment.

Personal Identification Number (PIN)

You will be issued with a PIN except in the case of a joint investment where you have elected to have both investors sign to authorise transactions. Your PIN, in conjunction with your Investment Number, allows you to authorise withdrawals, switches and obtain account balances by telephone. Please note that your PIN is the key to access your Fund information and withdraw your money, and should be protected accordingly.

Conditions of using your PIN You must:

•protect your PIN from being lost or stolen;

•not keep your PIN in your wallet or with other financial or personal information;

•not give, show or tell your PIN to anyone;

•tell us as soon as you think someone knows your PIN or it is lost or stolen; and

•reasonably disguise your PIN if you decide to record your PIN so that you can remember it.

You agree that when using your PIN:

•you are giving us instructions;

•we can consider these instructions are from you; and

•you are liable for any transactions which occur except after you have told us someone knows your PIN or if we have caused it to be misused.

You should note that:

•we can cancel your PIN at any time; and

•we can also delay or refuse to process your withdrawal instructions. If you think someone knows your PIN or it has been lost or stolen or misused, phone us immediately on 1800 067 732.

If you think there has been a mistake or a transaction you did not authorise, you must phone us immediately on 1800 067 732 and follow up with details in writing to:

Suncorp Investment Funds (LS035) GPO Box 1453

BRISBANE QLD 4001

Your concerns or any problems will be investigated and we will inform you of the steps we will take and how we intend to solve the problem.

36

Completing the Application Form

Please complete the Application Form in block letters.

Section 1 – Investor details

Please complete this section with your personal details.

Joint Ownership

When you purchase units in more than one name, unless otherwise stated you will hold them as ‘joint tenants’. This means that if one of the joint investors passes away, the surviving investor has complete ownership of the investment.

Alternatively you may wish to hold the investment as ‘tenants in common’. This means that if one of the investors passes away, their share of the investment will become part of their estate and will be distributed accordingly. If you wish the investment to be held as “tenants in common” please tick the nominated box on the Application Form.

All investors must sign the Application Form for each new or additional investment. However, we will accept instructions for alterations and withdrawals/switches from any one of the investors. If you require all the investors nominated to give instructions you must tick the required box on the Application Form. All investors must sign all future correspondence with us if you have ticked the box.

Documentation required (along with Application Form) Your account must be in the name of Trust / • Certified copy of an extract of the trust deed identifying The trustees as trustee for the Trust Superannuation Fund the parties

• Certified evidence of current signatories

Deceased Estate • Certified copy of grant of probate OR The trustees as trustee for the Estate • Certified Letters of Administration

• Identification of executors

Partnership • Certified copy of partnership agreement The principals of the Partnership • Certified evidence of current signatories

Unincorporated • Certified copy of the constitution of the club OR Name of club Body (Club)

• Certified copy of the rules that establish the club • Certified evidence of current signatories

Company • Certified copy of the constitution of the company OR Name of company • Certified copy of the certificate of registration

of the company

• Certified evidence of current signatories

A minor • Certified copy of a minor’s birth certificate The trustees as trustee for the minor Signing on behalf • Certified Power of Attorney Name of person investing

of another person

• Certified Letters of Administration showing Legal Guardianship

Section 2 – Tax file number details

Please provide your TFN, ABN OR indicate an exemption from providing your TFN. Refer to page 30 for further details.

Section 3 – Investment details

You need to complete the section that is appropriate for your investment.

Deposit Details

A non-negotiable cheque for the amount of your investment needs to be attached to the application with the following cheque payee: ‘SCUS – Suncorp Investment Funds’.

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